Best starter credit cards for first-time cardholders
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When deciding to get a credit card for the first time, it can be hard to know what type to go for, with so many choices on the market.

From people who want to borrow money temporarily to those who want to bag attractive rewards such as air miles, there are credit cards out there to cater to all requirements.

It’s important to be informed, as there is a lot to learn about the subject, such as how many credit cards you can have and how much money you need to be earning before getting one.

What makes a good first credit card?

A good first credit card depends very much on the individual and their circumstances. It’s wise for beginners to start by thinking about what they actually need the credit card for.

This involves taking a look at their financial situation and money goals, whether they want to borrow money or have a limited credit score that they want to build.

Once beginners realise this, they will be in a better place to decide what the best credit card for them is. See below for a list of some popular types of credit cards for beginners.

Credit builder cards

Beginners who never have had a credit card may have what’s known as limited credit (also known as thin credit or being credit invisible). This is when there isn’t much information about an individual on their financial track record.

People who have limited credit are more likely to have a difficult time applying for a credit card because it’s more difficult for lenders to predict how repayments will be managed.

People with limited credit or a low credit score could, however, consider a credit builder card to build their credit over time.

0% interest credit card

These credit cards appeal to many people because, if used properly, users don’t need to pay interest. They allow people to spend money for a set period with no interest.

But after this period ends, any outstanding balance that’s still on the card will be charged at the card’s standard rate of interest.

This all means that individuals can use a 0% interest credit card as an interest-free loan if they make sure they pay off the balance before the interest-free period ends.

Learn more about 0% credit cards in our guide to the best 0% credit cards.

Reward credit card

Using a reward credit card can allow individuals to earn rewards, which can range from air miles to cashback.

It’s important to remember, though, that while these cards can promise attractive rewards, you often need to fulfil criteria to get them.

Users also need to be careful not to overspend when using a rewards card. When compared to other credit cards, they can offer some of the most expensive interest rates. So, you could find yourself racking up some heavy debt, and it could end up costing you more than the rewards are worth.

What is the most accepted credit card in the UK?

According to data from Statistica, the most accepted card in the UK and Ireland from 2016 to 2022 was Visa. It was followed by Mastercard.

About this data, Statistica said: “It is assumed that most payments conducted with these two brands are using credit cards, although contactless debit card payments do play a big role in the United Kingdom.”